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An applicant defrauds insurance money by deliberately falsifying the subject matter of the insurance .

投保人故意虚构保险标的，骗取保险金的。

He often defrauds others of their money .

他经常骗别人的钱。

An applicant , an insured or a beneficiary defrauds insurance money by cooking up the cause of an insured accident or overstates the extent of loss ;

投保人、被保险人或者受益人对发生的保险事故编造虚假的原因或者夸大损失的程度，骗取保险金的；

An applicant defrauds insurance money by deliberately falsifying the subject matter of the insurance ;

投保人故意虚构保险标的，骗取保险金的；

An applicant , an insured or a beneficiary defrauds insurance money by inventing stories of an insured accident that does not occur .

投保人、被保险人或者受益人编造未曾发生的保险事故，骗取保险金的。